Current framework

  • The payment transactions in the financial services sector continues to undergo profound change.
  • Developments in payment transactions are characterized by regulatory requirements and technological innovations.
  • Changes in customer behavior and new competitors are putting increasing pressure on established financial service providers.
  • Numerous trends and innovations, such as instant payments and R2P, require a modernization of the payment transaction infrastructure.
  • In addition, cost-efficient and trouble-free processing must be ensured.

Payment transaction expertise

  • With our expertise, we have already provided advice and support to numerous banks and financial service providers during implementation and transformation projects in payment transactions.
  • We support our customers in identifying individual needs for action and implementing appropriate solutions in the area of payment transactions.
  • We advise our customers on the implementation of regulatory requirements as well as on the future-oriented alignment of the business model in payment transactions.
  • Our distinctive expertise based on many years of experience in banking sets us apart.

Project management

  • Clarification of the project assignment and definition of the project goal
  • Planning of different project phases, deadlines and milestones
  • Workshop organization and moderation
  • Ensuring that the defined deadlines and milestones are met
  • Identification of project risks and definition of (counter)measures to avoid/eliminate project risks
  • Preparation and execution of central appointments, such as the kickoff meeting and the steering committee

Business analysis

  • Analysis and evaluation of functional and regulatory requirements
  • Creation of technical and functional specifications
  • Analysis and documentation of processes
  • Improvement and further development of existing services and processes
  • Execution of market analyses incl. creation of long and short lists
  • Creation of impact analyses and decision documents


  • Creation of test concepts
  • Analysis of the test scope
  • Creation and execution of test cases
  • Identification and evaluation of defects
  • Coordination of test execution and troubleshooting
  • Reporting of test activities and test progress to the stakeholders

What distinguishes us

  • As Gravning, we can draw on an extensive network in the financial services sector
  • Our consultants are certified ZV experts and have extensive practical experience in payment transactions.
  • In order to be able to offer our clients multi-faceted solutions to their problems in the future, a constant exchange of knowledge and experience is very important to us.
  • Gravning actively participates in numerous payment transaction forums, is a member of various networks and initiates its own “expeditions“.